Whether you are buying your first home, moving, refinancing, or looking at your options, Eurobodalla Finance can help you work through what may suit your situation.
Buying a home comes with a lot of questions. We can help you work through the parts that matter before you move ahead.
Get a starting point for your home loan amount based on your income, expenses, deposit, and existing commitments, then review your estimated loan repayments.
Get a starting point for your home loan amount based on your income, expenses, deposit, and existing commitments, then review your estimated loan repayments.
Get a starting point for your home loan amount based on your income, expenses, deposit, and existing commitments, then review your estimated loan repayments.
We help with home loan options for first home buyers, owner-occupiers, self-employed borrowers, and more.
Use our mortgage calculator tools for a starting point. A borrowing power calculator can help you estimate loan amount, and a mortgage calculator can help you review monthly payments, mortgage repayments, home loan repayments, extra repayments, and how much interest may apply over time.
We keep the process straightforward and transparent. Before you commit to anything, you will know your loan amount, monthly repayment, loan term, comparison rate, and total cost, including any ongoing fees or one-off costs involved.
With access to bank and non-bank lenders, we prepare each application carefully to give you the best chance of conditional approval and pre-approval. We work across fixed rate home loans, variable interest rates, split loans, interest only loans, and principal and interest repayments to match the right loan to your financial situation.
Our brokers hold an Australian Credit Licence and are experienced in helping clients compare home loans, understand repayment types, and avoid unnecessary costs such as lenders mortgage insurance. Whether your situation is straightforward or complex, we provide the level of support you need to move forward with confidence.
That depends on your income, expenses, deposit, existing debts, loan amount, property value, and the lender’s eligibility criteria. A mortgage calculator can give you a starting point, but your final loan amount will depend on your financial situation and personal circumstances.
A 20% deposit is often seen as a strong position, but some home buyers may be able to borrow money with less. A smaller deposit can affect your loan to value ratio, comparison rate, loan interest rates, and total cost.
Lenders mortgage insurance is usually a one-off cost when the loan to value ratio is above 80%. It protects the lender, not the borrower, and it can increase the total cost of your home loan.
A fixed rate home loan has a fixed interest rate for a fixed rate period, so your loan repayments stay the same during that initial period. A variable rate loan has a variable interest rate, so your mortgage repayments can go up or down, and it may offer features like an offset account, additional repayments, or a split loan option.
With principal and interest repayments, each monthly repayment reduces your loan balance and pays interest. With interest only loans, or an interest only home loan, you only pay interest for an initial period, so the loan balance does not reduce, and the loan reverts to principal and interest later, which means higher home loan repayments.
An offset account is a transaction account linked to your home loan account. The money in the account reduces the loan balance used to calculate interest, which can mean less interest and cost savings over the loan term.
You may still have loan options if you are self-employed. Some lenders consider low doc or other home loan options based on your income records, business documents, bank statements, and overall financial situation.
Book a free consultation with one of our loan specialist. Fill out the quick assessment form and we’ll help you with your loan.
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